Digital Signature Solutions for SMEs (Part 1)

Learn benefits for using digital signature solutions for SMEs

Name any industry and we can almost guarantee they would benefit from eSignature solutions. But for the sake of saving us time, we’ll just cover 5 industries today and the benefits of using digital signature solutions for SMEs.
eSignatures increase efficiency, security, customer satisfaction, all while saving time, money and effort. Not to mention all the environmental benefits from ditching paper!

See how using eSignature solutions for SMEs can streamline your daily operations:

  1. Medical marijuana

The very existence of medical marijuana businesses proves the traditional way of doing things is not always the best. It’s only fitting for this new up and coming industry to use innovative signature signing, eSignatures! With eSignatures, you can register new clients and patients quickly, from any location and any device. You can also better manage patient information, by using a secure and centralized storage space. Remove barriers for new client sign ups, and watch your business light up (pun intended).

Take a look at this sample Patient Application Form. This online form allows a medical marijuana business to easily have patients fill out and sign forms securely and legally. The form has its own URL that you can use to embed into a website, just like it’s done here. Using Signority eSignatures, patient data is housed and protected on secure servers. With the added security of public key infrastructure (PKI) signatures and advanced encryption, producers can ensure that prescriptions are legitimate and have not been altered. Audit trails come with each and every document and verify the signatories’ IP addresses.

  1. Insurance

By using electronic signatures, insurance firms and agents can sign more customers, faster. They can bypass traditional time delays (like scanning), drastically reduce the need for paperwork, send automated reminders to recipients, and reduce the number of uncompleted documents, accelerating the entire signing process. They strengthen collaboration between all parties, streamlining the entire process. This also improves the overall customer experience. Not only will they receive their contracts sooner, but they also have the flexibility of signing from any device, anywhere! With this in mind, nearly 9 out of 10 customers would pay more to ensure a superior customer experience. Unsurprisingly, digital signature solutions for SMEs can make completing contracts 80% faster. On top of everything, eSignatures are extremely secure and safe. They require ID authentication and record tamper-proof audit trails.

The Anatomy of the Audit Trail and its Electronic Signature Implications
Signority Audit trails contain information about each signer, including their name, email address, IP address, and signature. The audit trail also contains a detailed, timestamped history of the document.

  1. Freelancers

The life of the average freelancer probably involves excessive amounts of paperwork with multiple parties. Trying to juggle this with client expectations, administrative tasks and self-promotion can be extremely overwhelming. Work smarter, not harder with eSignatures: impress clients, save time on tedious document signing, cut administrative costs, and improve overall efficiency. With their in-depth audit trail and centralized storage, you will always be on the ball, with little risk of something getting lost in the shuffle. Integrating an eSignature tool with apps that you already use, like Salesforce, will make all your signing tasks even faster and easier. Bonus, it can also help you get paid faster!

  1. Real estate

eSignatures can quickly change for sale signs to sold. You can finalize contracts faster by removing logistical barriers and sharing documents effortlessly, making document signing easier for clients. Track the status of your documents, send reminders to customers when necessary, and warn clients when important information is missing (like that last initial!). Since your documents can be stored in one location, you can use past documents as a reference for future transactions.

  1. Law

Using electronic signatures can benefit law firms, their employees and clients. Employees will no longer have to waste their time filling out tedious paperwork, and clients will not have to visit the office in order to sign. Features like Template Overlay, and Anchor Text make it easy to prepare long documents to be sent out for signing. Furthermore, eSignatures are more enforceable, traceable, confidential, and, hence, secure- increasing customers trust.

Using digital signature solutions for SMEs is basically a no-brainer. No matter what industry, eSignatures improve overall business functions while cutting costs and enhancing customer experience. And connecting an eSignature app with apps that you already use makes things even more seamless for you and your fellow employees.

Basically, paper signatures are the new carrier pigeon.

Stay tuned for Part 2, where we’ll discuss more industries and how they can also be enhanced by eSignatures. If you want to learn more, check out our page on how digital signature solutions work and how it benefits your business!

 

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Using Chatbots to Grow Your Business

How to use chatbots to grow your business - A Beginner's Guide

In the past few years technology has completely disrupted the way organizations and companies approach customer support and care. The introduction of chatbots followed the same pattern. Lots of research exists our there to back this up, just look at this one by Net Imperative that status that 89% of customers would rather communicate with a virtual assistant than a real person.  
With this post, we’d like to explore chatbots in the context of using them to grow your business. We’ll explore some fundamentals, imlplementation tips and even some of top tools that came up in our research. By now, if you’re reading this much, our very own chatbot “Anya” has already prompted you on the bottom right side of the screen. Go ahead, have a chat and experience it first-hand.
Ok, back to chatbots and learning more about them. Let’s begin.

Chatbot Advantages

Reduced Costs
Before the introduction of chatbots, companies had to rely on human support. Chatbots solve that problem by answering customer concerns and providing them with needed help and advice. Even though implementing chatbots isn’t free, think of how much you will be saving. You will no longer have to a) pay for dedicated human support and b) pay for their associated expenses (like phone bills). There are also non-monetary savings associated with chatbots, like time and effort— just think, no more contracting call centers!
Personalized Selling
With bots keeping track of every choice a user makes on your website, they are the perfect salesperson. They can effectively cross-sell, and upsell your clients. Also, over 50% of people believe businesses should be available 24/7— a schedule chatbots can work with! They can reach out and push products as soon as users become promising leads, giving more meaning to the saying “make money while you sleep”. Along the same lines, they are the best multi-taskers, as they can be chatting with multiple clients at once.
Easy to Use
Even better, chatbots are easy to use— for both you, and your customers! They are super easy to implement, more importantly, are incredibly user friendly. You can even optimize your chatbots for mobile. Since 90% of our time on mobile is spent on email and messaging platforms, they are extremely convenient for both you, and your customers. Moreover, since you can personalize your own bot, they are extremely implementable.

Chatbot Disadvantages

Security issues

Of course, when dealing with sensitive information, chatbots can be a liability. Sensitive information such as credit cards, personal information and others must be handled with care. You should be vigilant and proactive on monitoring your chatbots security system. This becomes even more important if your core business deals with customers personal information, such as banks. If customers do not trust the security of your chatbots, they will not interact with them!

Not All Bots Are Created Equal

There is a downside to chatbot personalization; you need to put in the work. If you are not the most chatbot savvy, your skills may be limited. Even if you are, chatbots can sometimes go a little rogue. When Microsoft launched their chatbot Tay, things quickly got out of hand. She was designed to communicate like a millennial girl, and learn from every interaction. Unfortunately, users started teaching her extremely inappropriate things, to which she, well, repeated. Moreover, customers have certain expectations for chatbots. If yours doesn’t meet, or exceed, these preconceived notions, your customers will be dissatisfied.

They Have Their Limits

Unfortunately, chatbots do have their limits. For the most part, they are currently unable to process complex questions or requests. Instead, they are better for more superficial communication. As such, so far they cannot completely remove humans from the equation. Moreover, their communication style is slighted limited. The average bot does not interpret sarcasm well, and will instead take it literally. Which is so helpful.

I know you’re already well acquainted with Anya on the right, but are chatbots really as good as they seem? And if so, how can a small business owner implement them into their customer care?

Chatbot Implementation

Now that you know about why you should implement chatbots, let’s go over some tips as to how best you can implement them.

Define Your Vision & Objectives

First things first, you need to outline your objectives, vision and long-term goals for your chatbots. Subsequently, you need to determine your target audience and use cases. If you’re new to the game, leveraging existing customers may be worthwhile. You already understand these customers, and retaining existing customers is much easier than attracting new ones. Afterwards, you should identify the tasks needed to reach your long-term goal. For example, if you decide improving customer experience is your main focus, your first task may be to identify common questions customers may ask your bots. After doing so, your next task may be to define your bots domain (ie. the topics they will know, and the breadth of their knowledge). It’s no surprise that different audiences use different slang terms and will have different expectations; so knowing this vital information can allow you to completely customize (and optimize!) the customer experience at every touch point. It’s also probably a good idea to try and predict future problems. For instance, what would you do if a customer gets stuck in a conversation loop?

Choose a Platform

Next step: Choose a suitable platform. Whatever platform you choose should align with your target audience and use case. Furthermore, your customers expectations will be different depending on which platform you use. It is important to be mindful of these assumptions, and act in accordance. For example, if you decide to target millennials, Facebook or Twitter may be viable options. However, this generation interacts with each platform very differently. Twitter is used more as way for customers to notify brands of issues, and hopefully get some compensation in return, while Facebook is used mainly for entertainment. Also, your customer’s location may influence which platforms you choose. If your target audience is situated in China, WeChat may be a platform to consider.

Build it with the Right Tools

Time to get your hands dirty— let’s start building! 40% of bot users disengage after only one interaction, so it’s imperative you build what the users want (it took us 35 min to build Anya on the right.. )
If you’re a bot baby (aka Chatbot beginner), tools like Chatfuel, Botsify and GupShop can really help. With Chatfuel, you can create a personalized AI Chatbot (with no coding!), and integrate your little minions easily within popular consumer platforms. This tool is used by some big brands, including TechCrunch, Uber, and Adidas. Botsify provides a simple interface and design process, user support and several platform integrations. They also have some shiny customers, including Apple! GupShop has pre-build templates, and building tools for everyone (bot babies and bot bosses alike) and for your entire chatbot lifecycle.
When building, it’s important to emphasize your chatbots tone, likeability, believability and brand voice. As discussed earlier, your bot also needs to effectively communicate with your target audience.
And always remember, just because it’s completed doesn’t mean it’s done! To keep your relevance and competitive advantage, you should continuously adapt and improve your bots. Tools like Bot Analytics can help, by gathering meaningful information about your bots performance, so you can make changes and improvements as necessary.

Test your Chatbot

Last, but certainly not least, you should test your chatbots suitability. Your bot should not only be functional, but also secure and appropriate for your target audience. For language, you should test for your bots tone, style, and overall understanding. There are some tools to help you at this stage, like the aforementioned ChatFuel— which can test your bots overall usability.
Considering all the benefits chatbots bring, and that the overwhelming majority of consumers would rather communicate with chatbots, you should probably get used to our friend Anya
Understanding your customers is crucial for the success of your bots, learn more about how you can with our recent article on persona surveys.
Looking to take your business paperless? Sign-up now and get a 14-day free trial to a Signority eSignature Plan.

Will InsurTech Be The New Normal?

InsurTech as the new norm

Examining the powerful forces driving massive change within the insurance marketplace

This is an excerpt from our most recent guide “What is Insurtech? And Why The Insurance Industry Should Take Immediate Notice”

When compared to other sectors of “big business,” the insurance industry has—at least historically speaking—been left to operate uninterrupted, out of reach from the aggressive startup movement that has radically transformed and reshaped so many other industries.
This simply isn’t the case any longer.
Over the last three years, in particular, startup funding has increased dramatically. In fact, according to a recent PWC report released last year, 90 percent of insurers say that they fear they will lose business to startups as investments in InsurTech has increased five-fold.
To understand why the InsurTech marketplace has seen such explosive growth over the past few years, we need to understand the competitive forces that are most significantly impacting the insurance sector as a whole.
For the purposes of this post, let’s go over the five, key forces we need to understand:

  1. Incumbent carriers are feeling the heat from more nimble, tech-focused startups – Historically flat IT budgets and outdated legacy systems have made it more difficult for large, incumbent organizations to adapt to a new, modern marketplace. More importantly, InsurTech startups have shown the ability to quickly fill gaps in the marketplace, creating entirely new products and service offerings specifically tailored to tech-centric Millennials — the largest living generation of American consumers.
  2. The legislation simply cannot keep pace, leaving startups to quickly fill the gaps – The rise of the peer-to-peer (P2P) sharing economy (think Uber and Airbnb, among others) highlighted an important fact; legislation, as a general rule nowadays, simply cannot keep up with the pace of change. Lawmakers and startups could not be more polar opposites of each other—one group moves begrudgingly slow and the other lightning quick. This divergent movement creates gaps and loopholes (not to mention regulatory nightmares), allowing nimble startups to introduce never-before-seen products and services that often threaten the very existence of larger, more traditional insurers. While usually good for customers, it can spell doom for big business.
  3. Big data continues to confound traditional insurers, empower new entrants – Insurance is a data-driven business, and big data is BIG business. The rapid increase in available software, specifically cloud-based computing, connected devices and telematics, has made data more accessible than ever. Still, most traditional insurance companies, burdened by rigid, antiquated systems, have yet to capitalize. Instead, smaller, more agile, InsurTech startups have stepped in to fill the void. Big data remains one of the most difficult challenges for large, incumbent insurers.
  4. New entrants are joining forces to solve the cyber security puzzle – Cyber crime costs are projected to reach $2 trillion by 2019, which makes cyber security a puzzle that’s obviously worth solving. Yet, as the free flow of data (specifically, Cloud data) becomes more accessible, insurers—not unlike other big businesses—face mounting security challenges. To solve some of these challenges, there are new entrants like Cyence, a startup that provides a first-of-its-kind cyber risk analysis for insurers. According to Cyence, the economic cyber risk modelling platform “helps companies when they’re the target of cyber-attacks.” Many of these companies have joined forces with FinTech (yes, that would be “Financial Tech”) startups who are solving similar challenges.  Update, Cyence has been acquired by Guidewire.
  5. Traditional insurers, in an effort to close the gap, continue to gobble up talent – Talent tends to follow funding. As a result, there has been an influx of skilled software talent. Traditional insurers, too, have joined the hunt for top-notch tech talent — albeit in a slightly different way. According to Gartner, the global insurance industry (North America, in particular) is investing heavily in insurance technology start-ups. In fact, Gartner reports that 80 percent of life, property and casualty insurers worldwide will “partner with or acquire InsurTechs to secure their competitive positions by the end of 2018.”

Needless to say, traditional insurance companies are at a crossroads. And judging by the number above, most have made their decision.
But, who are these InsurTech startups?
Let’s take a look.

InsurTech Startups: the most disruptive, well-funded startups currently reshaping the insurance marketplace

There is an ever-growing laundry list of startups currently taking aim the insurance sector and that doesn’t even count other FinTech startups who are attempting to do the same thing!
Some are taking aim at auto insurance, exclusively.
Not to be outdone, here are eight more hoping to disrupt the life insurance market.
You get the idea.
Yet, there are a handful of startups, in particular, that are making waves early in 2017:

  1. Lemonade: Lemonade offers fast and low-coverage homeowners and renters insurance “powered by technology.” It sells rental insurance policies for as low as $5 and home insurance for as little as $35. The company has raised more than $90 million, including $34 million Series B in late 2016.
  2. Metromile: Metromile offers pay-per-mile car insurance powered by a proprietary device, Metromile Pulse, a free wireless device that plugs into your car. Once the device is installed, it calculates your monthly mileage to determine your bill. The company claims its customers save an average of $500 annually. To date, Metromile has raised more than $200 million in funding!
  3. Trov: Trov calls itself “on-demand insurance for the things you love.” Essentially, Trov lets you purchase low-cost, accidental theft, damage, and loss policies on everyday items—with just a few text messages. That’s right. The entire experience can be handled safely and securely from a smartphone. The Australia-based company has raised more than $46 million to date and plans to launch in the U.S. later this year.
  4. Clover Health: Clover is a full-service insurance company that “implements metrics to figure out the best protocol for a patient who is at risk for health problems. It aggregates reports from a patient’s various medical services to generate a comprehensive profile of the person’s health” (source). Clover is currently available in New Jersey only, though it has plans to expand elsewhere in the near future. And get this—Clover has raised nearly $300 million in funding!

Obviously, this is but a small sampling of the types of startups who are benefitting from an influx As you may already know, of investment dollars (and clearly for good reason). If you want to learn more about insurTech, you can download the full guide for free here: “What is InsurTech? And Why The Insurance Industry Should Take Immediate Notice”.
Sources: http://insights.instech.london/post/102d2yk/24-companies-shaping-instech-globally

 

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Insurance Technology: A Tale of Two Extreme Ends

Learn about the biggest innovations in insurance technology =

Insurance technology and the industry are both undergoing a seismic change driven by several macro trends. Of these trends, technical innovation and changing customer expectations are driving insurance companies to invest significant resources in topics such as Big Data, Internet of things, blockchain and wearables. While some players in the industry stand to win and capitalize on this shift, some, unless they innovate, will put their company at risk.

Insurance Technology is Innovating at Lightning Speeds

According to a paper published by the Institute of international finance on insurance technology:
“Cloud computing, the Internet of Things (IoT), advanced analytics, telematics, the global positioning system (GPS), mobile phones, digital platforms, drones, blockchain, smart contracts, and artificial intelligence (AI) are providing new ways to measure, control, and price risk, engage with customers, reduce cost, improve efficiency, and expand insurability.”
Customer expectations for services have significantly changed. In an article written earlier this year, I outlined how customer experience is taking center stage in 2017, and the impact this has had on the retail industry. The insurance industry is no different. Many customers today expect to be able to get their car insurance online, and instantly, and at a great price. After all, “15 minutes can save your 15% on car insurance”, right?
Insurance companies operate on the premise of risk reduction, that means whatever information can be gathered about the driver can help provide a better assessment of the driver risk, and therefore determine the rate. Yes, sometimes it is cheaper. In the past, you called your insurance broker, they asked for your driving history, how many miles you drove in a given year, what kind of car you drive, where you lived (to assess the likelihood of theft), etc. This data was collected once a year when it was time to renew. That, of course, was before GPS, IoT and Big Data were in play. Today, companies like Progressive can install a little device in your car, and monitor everything from the way you slam your breaks to where you pick up your kids, here is how it works according to ABC 15’s “Car insurance companies to track driver habits for research” story.
Privacy aside, these projects cost millions of dollars and help insurance companies, save money, make money, and yes, sometimes pass the information to you. For the customer, the potential for money savings, and a better experience, compared to calling my broker every year and going through the data collection dance, is a win.
Of course, this innovation is not limited to cars, these days, homes are being automated with systems like SmartThings which knows when you turn on your heat and when you fry your chicken a bit too much, and thanks to the proliferation of the Nest Thermostat and Nest Protect Fire Alarm and the ever connected Ring doorbell. Indeed the American Family Insurance Company has partnered up with Ring, and Liberty Mutual have partnered with Google to share your data and reduce costs…
Need good health insurance at an affordable price? Hey, how about a free Fitbit to go with that policy, thanks to John Hancock’s partnership with Vitality. Yes, at one point, data from wearables will be shared with your insurance company to analyze, revise risk, and cost to the customer.
The world of insurance will further be disrupted by autonomous vehicles, drones, AI, block chain, and more, here is an infographic that can shed some light on how insurance companies are looking at technology.
Infographic on the innovation of insurance technology and its impacts

Source: Innovation in Insurance Report by Institute of International Finance

But who exactly is investing in these projects? It’s the big companies, such as State Farm, Progressive, John Hancock, and Liberty Mutual. The reason for that is quick basic, big data and IoT projects require the ability to make data sharing deals in the market, the ability to roll out an expensive, usually multi-year, and multi-million dollar big data project. These projects require large sets of data, access to latest technology talent, and data scientists. If successful, the companies that have figured this out will stand to win, and that means a direct and integrated relationship with the client who is less likely to switch providers

Don’t Fall Behind on Insurance Technology!

On the other side of the insurance chasm is the brokers, who today act as resellers to insurance companies, who have by in large remained static in their technology investment. Part of the issue is, of course, the fact that brokers are small businesses who do not have the resources or the data to undertake such projects, and part of it is cultural and these companies are family-owned business who prefer to maintain the status quo, change is hard.
The unfortunate reality is that the chasm in the customer experience when dealing directly with the insurance company is far different and better compared to the experience when dealing with a broker, and that chasm will continue to grow unless insurance brokers look for ways to service the customer better.
Recent data released by CSIO, Canada’s industry association of property and casualty insurers, brokers and software providers showed that by the end of 2016 only 6% of insurance brokers have adopted digital signatures solutions. That means that 94% of insurance quotes still expect the customer to print, sign and scan. That experience for the end consumer is far off from the expected experience set by the insurance companies.
While insurance brokers can choose not to invest in big data/IoT projects, they can still compete on customer service and leverage insurance technology to do so. Here are some very easy and cost effective way to simplify the customer experience.

  1. Invest in digital signature solutions (full disclosure here, we are a solution provider). However, the rollout of a digital signature solution takes little effort and eliminates one the core reasons why customers abandon quotes. Signature solution prices are quite affordable and can be purchased for as low as $8 per month.
  2. Live chat tools such as Olark or Intercom
  3. Communicate with your underwriting team digitally by implementing an internal chat system to speed up your processes, like Slack
  4. Go digital with your client onboarding processes by utilizing online forms, like Typeform or with embedded documents using an eSignature solution like Signority.

Also, be sure to read our recent post on what to look out for before going digital and be aware of the top emerging trends to stay ahead of the game!
Looking to take your business paperless? Sign-up now and get a 14-day free trial to a Signority eSignature Plan.

Focus Your Business With a Persona Survey

See how your persona survey can help grow your business

As any growing business,  we at Signority are constantly looking for ways to become a more efficient business. In a recent chat with our friends at Typeform — experts in online forms and surveys — we explored ways to gather learn about your ideal customer using a persona survey. Jon Riggall, a Senior Technical Writer, was gracious enough to accept our invitation for a guest post to share his insights for other small businesses.
Want to find out who your customers are and how they’re using your product so you can dominate your market? You do? Then try running a persona survey. This will give you data you can use to create a series of personas—model people who use your product. Here’s how we do it at Typeform.

The problem

We all know the famous John Lydgate quote, “You can please some of the people all of the time, you can please all of the people some of the time, but you can’t please all of the people all of the time.”


If you had infinite resources, maybe you could try to please all of the people all of the time. But I’m guessing that’s not your case. So pick your battles. Even the Googles and Facebooks of the world can’t keep everyone happy.
So how do you decide where to point your resources?
In the beginning, your business might grow organically, and it’s only at a certain point that you realize you need to know who your customer is—so you can keep them, and target more people like them. Typeform was launched because the founders wanted to solve the ugly form problem plaguing the web. Personas came later.
When designing a product, you might have someone in mind. But who knows, a year later you may find you’ve built a following amongst rocket scientists, and you had no idea. They love your product, but if you’re developing with other people in mind, then you risk alienating this profitable group.
This is where a persona survey comes in. It’s not rocket science—you survey a percentage of your customer base to see what kind of people use your product or service. After you get some responses, you can build a stronger product and focus your marketing efforts on getting more of the right kind of people
The idea is to create three to five personas from the results. This includes a basic outline of who each person is: their industry, professional profile, and demographic information, why they use your product, and so on. Then use these insights to inform your decision making.

Building your persona survey

Here at Typeform, we had a pretty good idea what kind of people use our product thanks to data collected by our Customer Success and Marketing teams. We still run persona surveys, and the results guide our efforts, and also back up our strategic decisions with other departments. You can’t argue with data, after all (post-truth world be damned).
So what makes an effective persona survey that gives you genuinely useful and enlightening results?
Our Customer Experience Team is responsible for surveying our current customers, though of course the results are used company wide.
There are two parts.
1) Ask people who they are, and 2) Ask how they use the product. This gives you a much deeper understanding of who uses what and why. Perhaps the majority are hockey players who use no advanced features and churn quickly, while a significant minority are bakers who use advanced features and stay around longer. You won’t know until you ask. Here’s how we do it:

  1. We start off asking how we can best help people learn about Typeform. This gives us data we can use to improve our Help Center.
  1. The survey continues with a question about how people use Typeform, before asking for demographic info. For example, “Which PRO features have you used?”
  1. We follow up by asking “Which PRO features you don’t understand?” We want to pinpoint where their pain points are.
  1. Then we go a little deeper. Which industry do customers work in, and which department? We also ask about the size of their organization. This data allows us to see what kind of professionals (and companies) are using Typeform.
  1. And we finish off by asking “What do you use Typeforms for?”

There are detailed step-by-step instructions for building this with Typeform over on our Help Center.
We send Typeform to a percentage of our users, and then the data rolls in. This data is essential for creating personas. Keeping them in mind helps us to focus on developing something these people will love even more.
With this data, we can focus our Growth Team on the right people. We can better tailor our Help Center to how people want to learn, and our developers can work on features that satisfy the needs of customers. It’s simple to set up and gives you invaluable data that can justify what you’re doing, or even send you off in a direction you weren’t expecting.
So if you want to see who loves you, try running a persona survey. If you’re lucky, they might actually be rocket scientists.

About our Guest Author
Jon is Typeform’s Senior Technical Writer, and can mainly be seen bringing you articles from their  Help Center. Typeform creates beautiful forms from Lead Generation to Wedding RSVPs. Aside from being interested in technology, Jon spends his time painting, and can sometimes be found DJing around Barcelona.
Follow him on Twitter @jonathanriggall

Digital Analytics: Key Questions Insurance Industry Should Consider Before Going Digital (Part 2)

Digital Analytics - Key Questions and Considerations for the Insurance Industry

If you’ve been following the series, you have a general baseline on how going digital can improve your overall business functions, but how can you gauge how well your investment is operating?
The answer: Digital Analytics!
The success of your digital strategy depends almost entirely on your implementation of meaningful digital analytics. They allow you to gauge your success and shortcomings, so you can allocate effort and resources where they’re needed.
Why hinge your organization’s success on assumptions, when you can base your decisions off of facts?
This second series will discuss the various stages of digital analytics implementation, as well as key questions that should be considered to optimize their use.

Stages of Implementing Digital Analytics

Understanding and getting ahead in analytics does not solely mean focussing on your website analytics. Although, you should definitely pay attention to your Google Analytics and optimise for increasing conversion.
In order to go fully digital, using analytics effectively means making the call to gather data from your entire range of channels, including website conversions, social media, online advertising, contract turnaround times, and contact data.

Stage 1: The Basics

When you begin implementing digital analytics, you should first focus on building a strong foundation analytics. Start by mapping out your operations process, from lead to customer. Break apart the process by identifying crucial touchpoints, for example, those touchpoints could be when a lead enters your sales funnel (Lead) and when the lead converts to a paying customer (Customer). From here you’ll have to start measuring the time taken for the actual conversion and assign it to the corresponding touchpoint.
Keeping track of these touchpoints and analysing the data regularly allows you to understand your operational flow and identify sectors or departments that require optimisation.

Stage 2: Lay the Groundwork

Once you have identified key touchpoints, now it’s time to begin tagging all of your pages, to obtain baseline information on how your users interact with each page. For example, you can see which of your pages are the most popular. Tools like Google Analytics and Mix Panel can help during the tagging process, by checking and alerting you about broken tags- so you never unintentionally neglect data! Keep in mind, solely using web analytics is not enough. The majority of the data you receive is descriptive and does not give you any actionable or meaningful insight. The ultimate goal is to build your web analytic strategy into a fully digital strategy. In doing so, the data you collect will be more useful, more in-depth, and can better guide your decision making. Instead of just knowing which pages are popular, you will be able to understand why. And, in turn, how to improve the pages that are not!
The most successful insurance businesses are fully aware that information is the lifeblood of the industry. Knowing when and how long a lead turns into a customer is absolutely crucial to understand bottlenecks in your sales process. You can start this process by moving from paper to a digital signature solution. This allows you to see the time it takes for a contract to be signed (I.e. Lead to Customer) in real time, streamline the process for your customer, and also give you an overarching look into your sales funnel.
Read how you can go paperless here.

Stage 3: Analytics Pro

Congratulations, you’ve almost made it to the finish line! It’s time to integrate multi-channel and multi-touch digital analytics across all your business platforms. In order for you to completely personalize and optimize your customer interactions, it is imperative that you fully understand their buying patterns/behaviours and preferences. As such, there should be a strong emphasis on customer and user analytics. Moreover, digital analytics provide predictive data. Meaning, you can better understand and foresee new customer trends, behaviours, and anticipate future outcomes, optimizing your efforts. IBM’s Digital Analytics provide advanced analytics by tracking visitor behaviour over time, and across multiple touchpoints and channels. This tool can also compare your success with competitors, and give recommendations when warranted.

Before Going Digital: What’s Your Plan?

EY, a global leader in tax and advisory services, recently asked insurance firms some thought provoking questions:  

  1. Are you rolling out analytics in tandem with digital?
  2. Do you have the right capabilities in place- — a strong analytics team & supporting tools?
  3. Are you capturing, storing and using current customer data to maximum value?

Before implementing digital analytics, you should have a general idea of how to approach each question. Since there’s no better time than the present, let’s get started:

Measure Your ROI With Digital Analytics

By 2019, global investments for digital transformations will amount to $2.1 trillion– with 70% of these initiatives predicted to fail! With this in mind, less than 15% of companies can quantify their digital initiatives ROI with traditional methods. It is more imperative than ever to start using digital analytics to gauge your investments ROI. You can see where you’re making money, cutting costs or, brace yourself… where you’re losing money. In essence, you can clearly see what’s working, and what isn’t, and how well your investment is paying off. As such, you can make improvements where necessary, and hold relevant people accountable. Some analytics you may want to track include: conversion rates, customer satisfaction, reduction in time costs, percent of revenue coming directly from digital channels, and percent of revenue enabled from digital channels.

Build Strong Digital Analytic Teams & Supporting Tools

You’re only as strong as your weakest link, so don’t limit your strategy’s potential with poor teams or supporting tools.

People

The entire organization must be on board and supportive of the digital shift. Your organization’s culture must transform toward a digital-centric and customer-focused model. Aside from the obvious need for technical skills, the analytics team must have a deep understanding of your organizational goals, and of customer wants and needs. Only then can they properly leverage and interpret the data in a way that’s meaningful towards future success. Moreover, they may be the only employees who realize potential opportunities and weaknesses. In order for them to relay the results in a clear and effective way, they must have strong communication skills.

Tools

There are various tools you can use to support your overall analytical process. First off, Matplotlib can help with data visualization, which would otherwise be time-consuming and tedious to create. Smart panda labs can help your team maximize its use of Optimizely. Smart Panda Labs help implement, personalize, troubleshoot, analyze results, and even provide recommendations accordingly.

Maximize Value by Using Quality Customer Data

Your results are only as good as your data. Currently, insurers are not taking advantage of the full potential of digital support. In fact, insurers rate themselves less than 2 out of 5, for overall customer experience. They are failing to communicate with customers during critical points in their buying process, and, consequently, missing out on huge opportunities. By using quality customer data, insurers can better understand their customers and properly communicate during all steps of the buying process. Accurate customer data allows you to better target your customers, decreasing costs and increasing conversion rates. Moreover, capturing, storing and utilizing current customer data gives deeper insights into the buying habits of your customers, giving you more accurate predictions of future behaviour. Unsurprisingly, according to McKinsey & Company, companies that effectively use customer analytics are more likely to outperform their competitors on key performance metrics, including profit, sales, sales growth, and ROI! In fact, with the use of customer analytics, profit and ROI almost double.
All in all, digital analytics are essential to fully maximize your digital transformation. They give you an in-depth understanding of what’s working, what’s not, and how to improve. Why do it the hard way when you don’t have to?
Like the saying goes, “assumption is the mother of all mistakes”.

Miss Part 1? Don’t worry, you can read more about how going digital can save you time, money and effort all while improving your customer’s experience from our previous post in the series!
Looking to go digital? Sign-up now and get 14-day free trial on one of Signority’s plans!

Technology: Key Questions the Insurance Industry Should Consider Before Going Digital (Part 1)

With the explosion of technology and rapid increase in online spending, a completely digital future is inevitable. In this series, we aim to answer key questions, examine various business and technology trends in the insurance industry, and breakdown critical statistics to help you take your business digital.  
In the first of this series, we discuss key questions that you need to consider before going digital.

Going digital with your insurance business and what you need to consider

Why does it seem like the insurance industry is stuck in the Stone Age?
With 40% of the world online, and more than 4 billion people connecting to the Internet every day, the future is undoubtedly digital. Consumers are already embracing the digital age, and expect companies to follow suit. In fact, before purchasing insurance 71% of consumers use some form of digital research to learn more about their options, and scope out company’s online presence. Research also shows that digitalizing your company can improve conversion rates by 20%, decrease cost reduction by 65% and shorten insurance processes by 90%. Unsurprisingly, there is a direct correlation between positive future growth and an implementation of technology.
Considering 79% of insurance firms believe they are behind the digital times, there is a huge opportunity for you to gain competitive advantage. Plus, going digital doesn’t have to break the bank.
Let’s start with the fun stuff and go over how dropping paper or going digital can help your organization save money:

Paper Vs. Digital Documents

Paper documents are more expensive, less efficient and less secure than digital. Unsurprisingly, without the use of paper, your office will drastically reduce the need for ink, printers, and, drum roll please… paper! If these seem like small expenses to you, the average employee goes through 10,000 sheets of paper per year, amounting to a whopping $80 per employee. With these eye-opening numbers in mind, 47% of managers agree that the cost of paper is a major negative, with 61% saying they would welcome going fully digital. Paper is also less secure, as it can easily be forged, damaged and lost. According to GRM, 15% of all papers handled by individual businesses were lost, and it cost around $120 per company in labour to find them (and $220 to finally replace them). Is it really that hard to believe that paper would also be less efficient? Paper takes time to write (and find), print, send, and takes up space in the office, prolonging the entire process.
Going digital saves you time, money, effort and gives your important documents the protection they need. With digital documents, you are able to streamline distribution, sharing, information, tracking, and editing. Added bonus, no cluttered overfilled storage cabinets! All your files will be online, which you can access from anywhere, anytime. Leaving your employees with more time to do the important things, like attracting new clients and building stronger relationships with existing ones.

Before Going Digital: What’s Your Plan?

EY, a global leader in tax and advisory services, recently asked insurance firms some thought provoking questions:  

  1. Have you identified preferred platforms that align with a digital strategy?
  2. Can your operating model quickly detect and respond to shifting customer demand in digital space? If not, how can you develop this?

Before going digital, you should have an answer to the above questions. This may take some time, so let’s get started:

Preferred Platforms that Align with a Digital Strategy

Going digital may seem like an uphill climb, but there are plenty of resources out there to make things easier. These resources can help you at every step of the way, including your customer engagement, your customer onboarding, and your digital marketing strategy.
Nowadays, customers need and expect, a channel to openly communicate with companies.  Customer engagement builds trust and positively increases your company’s reputation. As such, you are able to attract new customers, build stronger meaningful relationships with existing ones and better personalize your content in the future. Therefore, you can better upsell and cross-sell to prospective clients. Moreover, customers research different policies and options before deciding, and they want to have the ability to easily communicate with a company representative to answer any questions they might have. Unsurprisingly, Gallup found that fully engaged customers are more loyal, and more profitable than the average customer. Increasing customer loyalty is especially important for insurance companies, as their average rate of retention is 10% lower than that of any other industry. Considering it can cost up to 10 times more to acquire a new customer than it does to keep an already existing one, this is a huge loss of profits. Luckily, there are tons of available tools that can help you. The company Aspire focuses its efforts on CRM and offers customer SMS messaging, social media integration and personalized reminders (so you’ll never miss a chance to wish your client a happy birthday!).
You should always prioritize customer experience. With the amount of freedom and choice, the average customer has, successful customer onboarding is increasingly important. Nearly 9 out of 10 customers say they would pay more to ensure a superior customer experience. Successful onboarding leads to a smooth and positive customer experience throughout their entire journey. As such, this generates customer loyalty, meaningful customer relationships, and generates more leads. Companies like Accenture allow you to reach your full potential and give customers the experience they want and expect. This service can help you create differentiated and compelling user experiences that increase engagement while lowering your transaction costs.
If you haven’t at least started to implement a digital marketing strategy, you are greatly missing out. Digital marketing allows you to reach specific target segments, expand your reach, and easily monitor your results. Through this, you can increase conversion rates, decrease cost per leads and build a positive brand reputation.
Oh, and did I mention you can do all of this, and save money?
A staggering 40% of small- to medium-sized businesses admitted to saving considerably by using digital marketing instead of traditional methods. Digital marketing also levels the playing field for small to medium sized businesses, allowing you to compete against the big guys. If that doesn’t convince you, let me throw in some numbers. It has been shown that companies who utilize a digital marketing strategy have 2.8 times higher revenue growth than those who do not, and, specifically, small to medium sized businesses have 3.3 times higher overall business growth rates. Companies like Applied can help implement your digital marketing strategy, by using simple digital marketing tools to not only increase your brand awareness but also to build a stronger brand reputation. This is done by helping you build professional websites, interact with customers, and use banner ads to upsell and cross-sell your products.

Digital Friendly Operating Model

You probably know by now, that digitizing your brokerage’s operation models can a significant, positive impact on your profit margins. Let’s take a look at some average day to day activities, and see how digitalizing your company can improve them:

1. Paperwork

Ahh paperwork, everyone’s favourite past time… perhaps, in an alternative universe.
But in this one, paperwork can be tedious, mundane, and frankly, can waste a lot of your precious time. Stop living in the past, and take advantage of one of the biggest trends to hit the insurance industry, eSignatures. eSignature companies, like Signority, offer a wide range of services that allow you and your business to fully transform into a paperless office. Digital documents enable you to quickly send contracts to customers, bypass time delays (like scanning or mailing) and send reminders to customers to sign. Additionally, you will no longer have to waste time analyzing forms to make sure all the required fields are filled in, let the software do it for you! You can also save time by building standard document templates, and by organizing all of your files in one central location. On the customer end, they will have the ability to complete forms from any location, and on any device.
As mentioned previously, experts agree online document services can be more secure than old-fashioned hard copies. Signority provides a detailed tamper-proof audit trail, that lets you know where, when and how your document is being used. You also have access to timestamps, user IDs and Ip addresses. Moreover, you can safely store all of your documents in the cloud, keeping them out of harm’s way (and ensuring they won’t be misplaced).

2. Communicate with Underwriting Team

As you may know, internal communication is extremely important. Since communicating with the underwriting team is probably a major part of your job, utilize digital technology and work smarter, not harder. Online communication tools like Slack can make your communication process as smooth and quick as possible. Slack allows you to organize conversations in channels, send direct messages, and even make calls. You can also drop and share any and all file types, and quickly search for important messages through your archives. Slack can be downloaded, and synced, on any platform (mobile, desktop, etc.). Through this, you can drastically shorten the communication process with your underwriting team, saving you time and effort.

3. Communicate with Current Customers  

According to Ryan Hanley, a prominent digital marketer — new insurance buyers want better digital communication and interaction. By going digital, you can open up a streamlined 24/7 communication line with your customers. This can increase customer satisfaction, resulting in long-lasting relationships, which, in turn, can create customer brand ambassadors. You can also implement an automated selling engine, enabling customers to build their own insurance policy, saving you precious time. Automated notification lists can also be implemented. For example, you can notify customers when their policies are expiring. Through this, you can increase your re-purchase rate and speed up the buying process. Clients can also digitize their claims. For example, when a client has been in an accident they can file a claim directly at the scene, speeding up the whole process.

4. Attract New Customers

A vital part of your job is to attract new customers; by digitalizing your process, you are able to connect with new customers farther and faster. Moreover, with the use of digital signature solutions, completing contracts is 80% faster; so you can register new clients faster! There are also ample opportunities for you to create innovative features to attract new customers. As explained by Harvard Business Review, Progressive has made buying insurance easier, by allowing potential customers to send photo’s of their driver’s license to generate quotes for their auto insurance.
Don’t be scared of change, embrace it! Going digital can save you and your company time, money, effort, and stress, all while improving your customer’s experience. Welcome all these new opportunities, go digital!

Your biggest challenge will be to figure out what to do with all your excess paper. My suggestion? After your profits skyrocket, throw a celebratory bonfire (using the paper as kindling, of course).  
Looking to go digital? Sign-up now and get a 14-day free trial to a Signority eSignature Plan.

India is going digital, how about you? India's story of digital innovations

Digital Innovations in India Are On the Rise

When you think of India from a technology or digital standpoint, what comes to mind?
Outsourced tech support?
Call center operations?
Outsourced research and development?
While India certainly has done all of the above, India should be known for something else, digital innovations. Often companies hold off on implementing new technology because change is hard, and rolling out a new way of doing things requires staff education, changes to internal and external processes, not to mention the difficulty articulating an ROI. I mean we have always done it that way and it worked…

India Switching Gears?

Well, India decided it’s time for a change, time to go paperless and are rolling out digital innovations at a dizzying pace for a country of that size. If you are looking for an example of “undertaking massive social and technological change”, just look at India.
Here are some examples, now imagine if these implementations took place in the states of New York, California or Ontario.
In the first week of February, India banned cash transactions over $4500 or Rs 300,000. That’s right, you got cash? No thanks; cash is king … up to a point. After that, it is digital.
The inability to prove an individual’s identity was a massive hurdle that prevented the poor from accessing benefits and subsidies. Enter the Unique Identification project, that provides every citizen with a Unique Identification Number, assuring that the benefits were received by the right person.
This further led to India building the world’s largest biometric identity system. According to MapR, the project uses MapR and Hadoop to create and maintain the world’s largest biometric database, which can verify a person’s identity within 200 milliseconds.
Down with paper, did you know that Delhi also banned all use of plastic bags this week?

India’s Top Digital Innovations

India has several very interesting projects on the go, from eHealth to Digital Lockers, they are innovating and looking to the future. According to Wikipedia, here are some examples of the projects that are currently being worked on:  

  1. DigiLocker
  2. Attendance.gov.in
  3. MyGov.in
  4. SBM Mobile app
  5. eSign framework
  6. e-Hospital
  7. National Scholarship Portal

Interestingly from our vantage point, India as part of their going paperless program has implemented an eSignature platform where citizens now digitally sign all contracts with the government, read more about India’s digital eSignature framework.
At Signority, we applaud India for this massive undertaking and are doing our part with our digital signature platform on this side of the planet to cut paper, reduce waste, and clean up the planet.
How has the conversation about going digital gone at your company, what are some of the roadblocks and success you have seen? We’d love to hear from you, send us a quick message at hello@signority.com.

Signority How-to’s: 5 Tools to Nail Your Customer Onboarding

top-10-customer-onboarding-tools

Customer onboarding is a lot like meeting the parents.
Remember the first time your significant other brought you home?
The whole experience was probably overwhelming, stressful and set your expectations on how future visits would play-out. If things went well, you probably felt at ease, comfortable and may have even enjoyed your experience (gasp!). However, if things went horribly, you probably re-thought your relationship’s potential or, at least, faked a business conference the next time you were invited over.  
You want to make sure every single user’s onboarding experience makes them excited about their future with you (but if they start sending you love notes and locks of their hair, you may want to be concerned). Successful onboarding generates long-term customer relationships, which, in turn, increases profits. Repeat customers become influencers and generate more leads, and they are easier to sell to than new customers (Ka-Ching!). According to Help Scout, not only is it 7 times more expensive to acquire a new customer than keeping a current one but also, loyal customers can be worth up to 10 times as much as their first purchase.
Consequently, a positive customer experience can make or break your business. Here are 5 tools to help you nail your first impression, and build strong customer relationships (pun intended):

1. Optimizely

Optimizely allows you to test and personalize your customer’s journey, through experimentation. Through every level of your customer onboarding experience, this digital tool offers easy-to-use A/B testing, and multi-page experimentation. This function is available across multiple platforms, including mobile. Optimizely also lets you deliver targeted content in real time, reducing bounce rates and increasing users time on your site. You are able to build specific user personas through their browsing behaviour, demographic information and third party sources. By combining your targeted content with your most successful experiments, you are able to completely personalize and optimize the total customer experience. As such, you can effectively increase user engagement and, consequently, develop long lasting relationships with loyal customers. Furthermore, all this valuable information enables you to make better decisions faster, driving up your overall revenue.

2. Intercom

Intercom is an online tool that connects customer messaging for product sales, marketing, and support teams on one platform. You are able to target messages specifically to your users onboarding needs, chat with users in real time (and continue conversations with leads over email), and re-engage users whose activity is declining. All of their products are integrated onto one platform, making using it as easy as possible. Intercom offers a free trial, and afterwards, products are available for as little as $49 a month.  

3. WhatFix

WhatFix simplifies onboarding, improves support and reduces user training efforts. This digital tool allows you to create structured and interactive guides for users to follow. Their onboarding task list helps introduce users to important platform features you wish to highlight. You have the ability to personalize the onboarding experience to certain customer segments and gather data on how each user engages with your platform. Additionally, WhatFix has multi-browser support and multilingual support.

4. Auth0

User’s want to take the path of least resistance, they want their experience to be as straightforward and simple as possible. Auth0 provides practically every social login option without having you do any extra work. Users are able to sign up by the click of one button, rather than filling out long and intrusive forms. According to CXL, 86% of users are bothered by having to create new accounts on websites, and 77% see social login as a good alternative. Additionally, utilizing social logins also gives you valuable information from the users social profiles, allowing you to personalize their onboarding experience. Auth0 also lets you A/B test different configurations to optimize conversion rates.

5. Kissmetric

Kissmetric can increase user engagement, conversion and retention rates. This digital tool shows you overall audience behaviour, and more importantly, why visitors convert. You are able to take this audience behaviour, and set certain triggers to send nudges to users who exhibit certain intentions. With this information, you are able to optimize your site, and improve your overall marketing strategy and decisions. An added bonus, these analytics can be set up without writing a single line of code. Kissmetric can be easily integrated with any apps or platforms you are currently using. This tool can be a bit expensive, with starting plans at $220 per month, but with a proven 49% less churn rate, it just might be worth it.
Unsurprisingly, more and more companies are also integrating easy customer onboarding applications into their core services. For example, Signority offers its customers customized templates for simple onboarding and to avoid the tedious back-and-forth that customers often seek to avoid. Take advantage of all the services/tools available to you, and never scare away a customer again.
Like meeting the parents, customers want an onboarding experience that will make them feel welcome and comfortable. Utilize these tools and you’ll definitely be seeing your customers again and again.
Looking for seamless customer onboarding? Sign-up now and get a 14-day free trial to a Signority eSignature Plan.

Part 1: The Top 5 Most Promising Industries and Jobs for Recent Graduates

The best industries and jobs for recent graduates

Do you hate that dreaded question at family get-togethers… “So, any plans after graduation?”
Do you wish you had the perfect answer to shut pompous Uncle Mike down?
Well, as a recent grad myself, I decided enough was enough. So, I rolled up my sleeves and began hunting for fresh new industries that would welcome recent grads with open arms!

Our List of Up and Coming Industries and Jobs for Recent Graduates

  1. Virtual Reality

All this talk about finding a job after graduation must just be a virtual reality – but I swear, it’s real! In fact, the virtual reality industry is expected to have a global market size of $1.7 billion this year (that’s an increase of over $1 billion!), and a revenue of $4.6 billion. This growth is expected to increase, with an expected global market size of $24.5 billion in 2020, and $80 billion by 2025 (the size of today’s desktop PC market!). Unsurprisingly, customers can’t get enough of virtual reality. The total number of active users is predicted to reach 90 million by this year, and 171 million by 2018.

  1. Health & Wellness

Today’s consumers are undoubtedly increasingly concerned over their health and overall wellness, as global industry sales are expected to amount to $1 trillion in 2017. This societal shift is present within all ages, from young to old, and it doesn’t seem to be changing anytime soon. In fact, the number of adults aged 60 is expected to double by 2050, which will increase their need for health and wellness products. Now for all the Canadian graduates, there has been strong growth in the Canadian health product sector, with an annual growth rate of 15% and economic contribution of $3.5 billion (and growing!). Looks like a promising industry, eh?
As a matter of fact, the #1 company on Fortune 100’s list of “fastest growing companies” is Natural Health Trends, a health and wellness company (surprised?). Just last year their revenue was $298 million, with a total return three-year annual growth rate of 211%.

  1. Drones

The drone industry is expected to explode in the next few years, with a predicted value of over $127 billion by 2020, and a compound annual growth rate of 17%. Drones are extremely multifaceted and diversifiable, and as such, can be used for just about anything (ie. they have huge potential!). For example, Air Shepherd has taken advantage of the many uses drones have and is using them to find wildlife poachers, in order to protect wild rhinos and elephants. Ben Marcus, CEO of AirMap, predicts there will be a 400% increase in drone usage over this year.
Drone companies even made their way onto Fortune 100’s list of fastest growing companies, with Ambarella making the top 10. Ambarella develops video compression and image processing solutions, which are crucial components of many drone cameras. Their total revenue for the past year was a jaw-dropping $303 million, with their shares increasing by 67% in the past 3 months.

  1. Marijuana

The marijuana business is definitely “smoking” hot. With over half of America’s 50 states legalizing marijuana, and Canada currently in the process of legalization, it is no surprise that legal marijuana sales will total a whopping $22.8 billion in 2020.
The pharmaceutical company INSYS therapeutics was also on Fortune 100’s list of fastest growing companies, placing in their top 5. They develop pharmaceutical cannabinoids to address the clinical shortcomings of existing commercial products. Their revenue last year alone totalled to $323 million dollars, with an earnings-per-share, three-year annual growth rate of 119%.

  1. FinTech

The FinTech industry has been taking the financial industry by storm, and there’s no sign of stopping. FinTech companies are better able to meet changing customer needs, by offering convenient, simple and online integrated services. By the year 2020, the global marketplace lending is expected to be valued at $500 billion. Moreover, by the year 2030, there will be a projected 2 billion new customers using their phone for financial services, with over 60% switching to mobile over the next five years. As such, they are leveraging traditional companies limitations and succeeding in areas where they are failing. Additionally, the number of new FinTech start-ups has created a landscape of innovation and competition, driving continued success.
Now you’ll always have an answer to that annoyingly tired question!
Show Uncle Mike exactly what you’re made of, and start focusing your efforts in industries with the most payoff.
Check out Part 2, where I segment different areas of promise within each industry, explain how you can get involved, and some awesome examples to get you started!
Interested in learning from the Pros? Check out our recent article on business experts you should look out for.   
Looking to take your business paperless? Sign-up now and get a 14-day free trial to a Signority eSignature Plan.